A hard credit pull check, also known as a "hard inquiry" or "hard credit check," is a more in-depth review of your credit report that occurs when you apply for credit, such as a loan, credit card, or mortgage. A hard credit pull only takes place when a lender needs to review your credit history to decide if they’ll fund your business. A lender will not make a hard inquiry without your permission. Unlike a soft credit check, a hard credit check can have an impact on your credit score and credit history.